This is Francisca, 61, a resident of Quezon City, Philippines. A widow, she manages her household while operating her business. She works hard to support the education of her two children who are both in high school
Francisca maintains a direct selling business. She sells clothing, footwear, undergarments, cosmetics and other products through the popular direct selling brands like Avon, Fullerlife, Natasha, Boardwalk, Marikina Shoe Exchange, and others. A customer's order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Dealer’s prices are lower than those in the catalog, and these are the profits that dealers count on for their income. Aside from direct selling, she sells processed meat. Her regular customers are her neighbors and the local community. She earns a minimum of PHP 5,000 in sales every week.
She is requesting a loan amounting to PHP 36,000 that will help her to continue her business. She will be using the loan to buy orders for her customers. Her profits from business will definitely help her to sustain her daily needs.
Francisca dreams that her business will continue to grow and she will have more sales. She hopes that her children will be able to finish their studies and enjoy a good life. She never fails to attend to the fellowship* every week.
* All CCT community partners/clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the word of God, build social capital, and pay microfinance loans.
About the Center for Community Transformation
The Center for Community Transformation (CCT) is dedicated to the development of communities and lives via spiritual transformation and access to financial services. CCT offers loan products to address the needs of micro-entrepreneurs in the Philippines. The organization’s loan products include small business, education, and housing loans. CCT utilizes a community-based approach to provide a variety of non-financial services that include training and development programs, clinics, disaster relief operations, a low-cost medicine program, and social service programs. CCT offers a unique “Pavement Dweller” program designed to provide food, housing, and job training. CCT also provides education support services to the poorest groups in the Philippines. Find more information about CCT on their website or join their lending team.